Amy has been researching and writing about smarter ways to save and spend money since 2013. She is always on the lookout for practical tips and information she can share to help people get organized, save money and reach their financial goals.
set of house keys on a hook to represent first-time homebuyers

Avoid These First-Time Homebuyer Mistakes

Buying a home for the first time is a huge step. It’s a decision that can move you closer to financial stability or take you further away, depending on the choices you make during this critical time. Here are some common first-time homebuyer mistakes to avoid on your way to owning a piece of the American Dream. Draining Savings for a D...


Plumber working on pipes under the sink

5 Home Repairs You Can’t Ignore

You've probably spent more time in your home this year than usual, which means more wear and tear on your house and everything in it. It might start out as a small water stain on the ceiling, a patch of missing insulation in the attic, or a small crack in the foundation. But these small signs can mean potentially big trouble in a home, and ignoring...


How to Adjust to Adult Kids Coming Home During the Pandemic

As Americans continue to struggle with the economic effects of the ongoing pandemic, many adult kids are moving back in with their parents to save money. This follows a similar trend during the Great Recession when so-called “boomerang kids” needed to move home after graduating from college into a sub-optimal job market. For most, the move home...


woman reading a rental agreement on a tablet when renting an apartment

Financial Considerations When Renting an Apartment

Choosing a new apartment is not as big as a commitment as buying a house, but it’s still an important financial decision that determines the place you will call “home.” Here are the financial considerations you’ll want to take into account when renting an apartment.                 Length of the Lease The most common lease term ...


How to Recognize the Signs of a Gambling Problem

Whether it’s buying a weekly lottery ticket or taking an annual trip to Vegas to blow off some steam, gambling is a fun and harmless diversion for many people. For others it can become a problem that creates a variety of issues, including extreme financial hardship and deep debt. Let’s take a look at some of the tell-tale signs of a gambling pr...


Black woman shopping online deciding to use a point-of-sale loan

Point-of-Sale Loans — What You Need to Know

Remember layaway? It was a service many retailers offered that allowed customers to buy now and pay later without using credit cards. A customer would select their items, place them on layaway, make a small down payment, and then pay the balance in installments. Once paid-in-full, the customers took home their items. It was an efficient system that...